Benefits paid by stage of severity
Each payment is a percentage of the sum insured, according to the stage at which the condition is diagnosed.
25%
Early stage
Early Critical Illness
Paid per condition, up to 100% within the same group
50%
Intermediate stage
Intermediate Critical Illness
Paid per condition, up to 100% within the same group
100%
Severe stage
Major Critical Illness
100% per group, less any benefit already paid
Up to 500% in total of the sum insured — each main condition group pays up to 100%. Once a group has paid out in full, cover for that group ends while the other groups continue (a subsequent severe-stage claim in a different group must be at least one year apart).
Condition groups
Five main critical illness groups
Cancer · major organs and systems · heart and circulatory · nervous system · other critical illnesses. Up to 100% per group, and up to 500% of the sum insured across all groups.
Childhood critical illness group
10 conditions for ages 1 month – 18 years, paying 25% per condition, up to 100% in total (maximum 4 conditions).
Senior critical illness group
3 conditions from age 51, paying 25% per condition, up to 75% in total (maximum 3 conditions).
Diabetes complications group
4 conditions paying 25% of the sum insured (payable once).
Premium waiver
Once critical illness benefits totalling 100% of the sum insured have been paid, the insurer waives the premium for this rider until it lapses, subject to the conditions.
Conditions covered (108 illnesses and conditions)
Select a group to see the conditions it covers and the benefit paid for each (listed from lowest to highest).
Cancer
- Non–Invasive Cancer/ Carcinoma in Situ25%
- Carcinoma in Situ of Specified Organs Treated with Radical Surgery50%
- Invasive Cancer100%
The percentages are the benefit paid per condition, as a share of the sum insured, according to severity (early stage 25% · intermediate 50% · severe 100%). Actual payment follows the definition of the condition and the policy conditions.
Key conditions
- Entry age 1 month – 65 years (cover extendable to age 85 · a yearly renewable contract; the premium rises with age)
- All occupation classes accepted
- This is a rider and must be bought together with a main life policy (it cannot be added later)
- Minimum sum insured for this rider is THB 500,000 (increasing in steps of THB 100,000)
- Maximum sum insured across all policies: up to THB 3,000,000 for ages 1 month–15 years · up to THB 5,000,000 from age 16 with earned income
- Premiums qualify for the health insurance tax deduction under Revenue Department rules [check the latest criteria]
Estimate your premium
Choose gender, age and sum insured to see the approximate monthly, quarterly, semi-annual and annual premium.
Entry age Newborn–65 years
Minimum THB 500,000 · maximum THB 5,000,000
Monthly
75
THB
Quarterly
225
THB
Semi-annual
430
THB
Annual
825
THB
Note: Premiums are estimates for educational purposes, calculated from the rate per THB 1,000 of sum insured under the August 2019 schedule (all occupation classes), new entry age 1 month – 65 years. Actual premiums depend on underwriting and the policy conditions. Please confirm with an agent before deciding.
iA rider — a main policy is required first
The 108-condition multi-pay critical illness plan is a rider that must be attached to a main life policy, so a main life policy is required first. The sum insured of this rider may not exceed five times the sum insured of the main policy (for the applicable distribution channel).
Example
For critical illness cover of THB 1,000,000 → the main life policy needs a sum insured of at least THB 200,000 (1,000,000 ÷ 5)
The minimum sum insured for this rider is THB 500,000, and it must not be lower than the minimum sum insured of the main policy. Conditions are as set by the insurer.